Bankruptcy Pre-discharge Education Disclosures

Since 1964, Clearpoint Credit Counseling Solutions (“Clearpoint”) has served as a critical community safety net for individuals and families experiencing financial difficulties through educational outreach, housing and credit counseling and the establishment of debt management programs. We are dedicated to providing the lasting education consumers need to face their financial future with confidence.

Before we can continue, you will need to provide Clearpoint with confirmation that you have read and understand the disclosures listed below. If this is to be a joint session, the secondary person must provide confirmation as well.

Bankruptcy Pre-discharge Education Disclosures

For the pre-discharge bankruptcy education and certificate of completion you will be charged a fee not to exceed $50. No individual will be refused counseling if they demonstrate the inability to pay, due to income level or hardship.

Based on your state of residence or arrangements we may have with your attorney, your fee could be $20 per household. This represents a discount of $30 from our ordinary fee of $50. If you paid your attorney more than $20 please contact your attorney for a refund.

It is our practice to waive fees for clients whose income is less than 150% of the Federal Poverty Guidelines, as determined by the Federal Register by the U.S. Department of Health, or if you receive assistance from legal aid.

In order to be considered for a fee waiver, click the link on the following page indicating you would like to apply for a fee waiver and provide the documentation as requested. Not everyone who applies for the fee waiver is automatically eligible. Eligibility is based on income verification and ability to pay is based on documentation provided by you.

Clients, on their own or through Clearpoint’s services, have the right to negotiate an alternative payment schedule with regard to each unsecured consumer debt.

Clearpoint provides the personal financial education course in English and Spanish; for other languages clients are referred to another agency for assistance.

Clearpoint does not pay or receive referral fees for the referral of debtors. Clearpoint is approved to issue certificates evidencing successful completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.

Our counselors and educators are certified by the National Foundation for Credit Counseling. Clearpoint will not disclose your identifiable information unless it is required to provide services for you which were directed by you or as required by law, such as is response to a subpoena or to the United States Trustee for investigation of complaints, during on-site visits, or during quality of service reviews. Your certificate will be provided promptly upon successful completion of the online personal financial management course. Please keep in mind that you and your attorney are responsible for filing the certificate with the court in a timely manner.

The United States Trustee has only reviewed Clearpoint’s credit counseling services and its services as a provider of personal financial management instructional courses. The United States Trustee has neither reviewed nor approved any other services the agency provides to clients.